Underwriting (Credit Risk & Banking)

About The Team: An integral part of Drip's finance business is to make contact with buyers (or importers) , run verifications and confirmations as required by our Risk policy, to on-board them to our system and build a long-term relationship for future business opportunity. Position Expectations: Create, review, and maintain complex credit policies that improve the underwriting process while mitigating potential risks Innovate on the existing framework to allow for high, continued scalability Maintain strong working knowledge of the company's policies and procedures and identify exceptions to policy with potential resolutions. Responsible for the entire lifecycle of underwriting factoring transactions from pre-clearing, due diligence, approval, and funding, to post-close monitoring, including: Identify, collect, and complete an in-depth analysis of all documents necessary in transaction requests. Verify and evaluate prospect's legal structure, financial statements, collateral, accounts receivables aging, permits, lien waivers, or other credit data. Rate the degree of risk involved, make a credit decision and develop the optimal factoring package for each transaction. Manage signing and funding of the transaction agreement with all parties, and any necessary post-close line items, including acting on behalf of the servicing and collections team as needed. Build and monitor credit transaction KPIs on a regular basis to ensure portfolio performance. Analyze portfolio to continuously monitor concentration risks. Contribute to regular discussions with internal teams to create a strong collaborative environment and align proper expectations and usage of credit. Checklist - Experience: 6-8 Years of experience in underwriting/ credit risk underwriting in Banks or Financial institutions - Education: MBA in Finance/ or equivalent Post Graduation degree, CA - Core Competencies: Strong communication and stakeholder management, Deep Dive and strong execution skills